Petrol, Diesel, aur CNG Cars ke Insurance Mein Kya Farq Hai?
Car insurance lene se pehle yeh samajhna zaruri hai ki car ka fuel type — petrol, diesel, ya CNG — aapke insurance premium ko kaise prabhavit karta hai. Aaiye, isse detail mein samjhte hain.
1️⃣ Premium Ka Difference
Insurance premium woh rakam hai jo aapko company ko deni hoti hai. Yeh fuel type par depend karta hai:
- Petrol Cars: Premium sabse kam hota hai. Petrol cars ki maintenance cost low hoti hai aur zyada risky nahi hoti.
- Diesel Cars: Diesel cars ka premium zyada hota hai kyunki yeh mehengi hoti hain, heavy usage mein aati hain aur repair cost bhi high hoti hai.
- CNG Cars: CNG car ka premium petrol se zyada aur diesel se kam hota hai. CNG kit ke wajah se extra safety factor jod jaata hai.
2️⃣ Coverage Mein Antar
- Petrol aur Diesel cars: Accident, chori, aag, natural calamities aur third-party liabilities cover ki jaati hain.
- CNG cars: Agar aapki car mein CNG kit company-fitted hai, toh third-party liability cover ke liye ₹60 ka additional premium charge kiya jaata hai.Lekin, agar aapne baad mein CNG kit install karwai hai, toh aapko apne insurance company ko inform karna zaroori hai. Is situation mein, own-damage cover ke premium mein bhi badhoti ho sakti hai, jo CNG kit ke value ka lagbhag 4% ho sakta hai.
3️⃣ IDV (Insured Declared Value)
IDV car ki market value hoti hai jiske base par claim settle hota hai. Diesel cars ka IDV zyada hota hai aur agar car mein CNG kit lagi hai toh uska bhi effect IDV par padta hai.
4️⃣ Risk Factor Comparison
| Car Type | Risk Factor |
|---|---|
| Petrol | Low risk - City use, short travel, simple maintenance |
| Diesel | High risk - Long travel, heavy use, expensive repairs |
| CNG | Moderate risk - Gas leakage/fire concerns, extra care required |
5️⃣ Conclusion
| Car Type | Premium Category | Key Reasons |
|---|---|---|
| Petrol | Low | Affordable, less risk, city-friendly usage |
| Diesel | High | High cost, long-distance travel, expensive repairs |
| CNG | Moderate | Extra kit coverage, moderate risk, eco-friendly |
Jab bhi car insurance renew karein ya naya plan lein, fuel type ko zarur check karein. Saath hi, in baaton ka bhi dhyan rakhein:
- Customer Name (RC ke anusar)
- Vehicle Number
- Engine Number
- Chassis Number
- Manufacture Year
- Registration Date
- Policy Risk Start Date
- CC (Cubic Capacity / Engine Capacity)
- IDV (Insured Declared Value)
In sabhi details ko verify karne se aap ensure kar paayenge ki aapki policy bilkul sahi hai, aur claim ke samay aapko kisi bhi tarah ki pareshani nahi hogi.
Agar aapko car insurance quotes compare karne mein help chahiye, toh humse zarur sampark karein. Hum aapki madad ke liye hamesha tayaar hain!
